3 days away from a repossession

[Melissa M Paul]

Hi there everyone, 

I am new to BiggerPockets and actually became a member for the purpose of real estate but I have a huge issue at hand regarding my car (or rather the car I am financing). 

Super long story short, I purchased a brand new car after being persuaded to believe that it would be the best thing to ever happen to my credit and future car purchases (as it would allow me to get a new car in a year with 0% APR)

I called the dealership when I began to experience extreme financial hardships and they said that because I made 1 of the last 12 payments late, I was ineligible for the 0% APR and that my best bet would be to continue paying the car.

I was super stuck. I had to stop going to school out of panic that tuition would get in the way of me paying the car (as I was constantly being reminded that a voluntary repo would kill my financial future, my chances of purchasing a home, and make it more difficult for me to get approved for student loans etc) I ended up trying to to keep up with payments. 

My credit score took a huge hit after missing my first payment, and then hit the floor after the proceeding missed payments. 

Currently I am 3 days away from being 90 days past due and my account is probably entering repossession status as I type this. I just want advice. I have been to serval dealerships, We Buy Car establishments and attempted refinancing and even wrote Toyota Corp. ALL ENDING IN FAILURE. 

Not having a car would be a huge adjustment but I am not afraid of that aspect. Life after a repo is what I a scared of. I want to buy property  and although my heart is centered on being a real estate investor, I am not super sure how my credit is going to impact that process. 

Another potential issue I am concerned with is that I am in the process of learning and taking action in wholesaling. Without a car, I may not be able to really drive for dollars or simply drive to look at properties. 

Granted, I am aware of the potential acton that can be taken against me by the loaner.

Car info:

2017 Toyota Corolla

My car is priced currently at $20,070

It's market value: $10,381

Highest Offer from an establishment: $12,000

Car note and insurance= $725

Monthly car payment:$460

I have been doing all the side hustles I can think of currently from driving Uber to Door Dash (in addition to my main job) but I am not catching up fast enough with my payments. 

I honestly need advice. The anxiety is killing me.